Workers Comp Code for Physicians: A Complete Guide

What are Class Codes and why do they matter?

Class codes are four-digit numbers that classify specific job roles. These codes are designated by the National Council on Compensation Insurance (NCCI), which tracks injury rates in each role and assigns a corresponding risk rating. Insurance companies then use this data to set workers' comp rates for medical practices.

Class codes in workers' compensation insurance for physicians are important because they help physicians ensure they're paying the correct rate for workers' comp and that their staff is sufficiently covered in case of injury.

How are class codes determined?

Class codes for physicians are assigned by looking at injury rates in medical practices. The NCCI tracks data on injuries in healthcare environments to set a risk rating for physician offices.

Since physicians often deal with physical tasks like patient lifting, which can result in injuries, the risk rating tends to be higher. If more injuries are reported, the risk rate increases, leading to higher workers' comp premiums. Fewer injuries can lower the risk rate.

Upgrading safety equipment or refining procedures can help reduce risk ratings over time.

Common Class Codes for Physicians

Class Code 8832

For physicians, Class Code 8832 is most commonly used. This code applies to medical practices like general physicians, specialists, and clinics. It reflects the risk associated with providing healthcare services in a clinical environment, such as potential exposure to bloodborne pathogens and patient handling.

State-Specific Class Codes for Physicians

Physician practices also encounter state-specific class codes. Here are examples for Pennsylvania and Delaware:

Class Code 0957 - Pennsylvania and Delaware

Physicians in Pennsylvania and Delaware are classified under Class Code 0957, covering both medical professionals and office staff in medical practices.

How do Physician Class Codes affect insurance rates?

Class codes are key to determining workers' comp premiums. Insurance companies use these codes to assess how risky a specific job is and set the appropriate rate for workers' compensation coverage.

Physicians generally have lower workers' comp premiums, as their work typically involves minimal physical risk. The average cost for workers’ comp insurance for physicians is $0.27 per $100 of payroll. However, rates can fluctuate based on your location and specific job responsibilities. Rates from selected states are shown in the chart below.

Physicians (Class Code 8832) Rates per State – 2025

These rates provide a baseline for your workers' comp insurance costs. The actual premium for your medical practice will depend on various factors, including your claims history.

The insurance company uses an experience modifier (ExMod) to adjust your premium based on past claims.

If your ExMod is 0.95, your premiums will be lower than the average for similar medical practices. If your ExMod is higher than 1, your premiums will be increased due to a higher number of past claims.

To lower your premiums, focus on maintaining a safe environment and reducing workplace injuries.

Interested in how these rates affect your practice’s costs? Check out our Guide to Workers' Compensation Insurance for Physicians Cost for more details.

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Managing Risk for Physicians

Physicians are at risk for injuries when interacting with patients, performing procedures, or handling medical equipment. A strong safety program reducing workplace injuries and controlling insurance premiums.

Tips for reducing common injuries in Physician Practices:

• Proper Handling Techniques: Train staff on correct patient handling techniques to reduce the risk of injury during procedures and patient movement.
• Workplace Ergonomics: Provide ergonomic office equipment and tools to reduce strain during long procedures and patient examinations.
• Use of PPE: Physicians should always have access to proper protective gear, including gloves, face shields, and masks, to reduce exposure to infections or bodily fluids.

Get the right Workers' Comp Coverage for your Physician Practice

Have questions about workers' comp class codes for physicians? Get an instant quote today or call us at 886-338-8823. Kickstand Insurance specializes in workers’ comp for physician practices and can help you find the best coverage.